Was ist das eigentlich? Cyberrisiken verständlich erklärt

Es wird viel über Cyberrisiken gesprochen. Oftmals fehlt aber das grundsätzliche Verständnis, was Cyberrisiken überhaupt sind. Ohne diese zu verstehen, lässt sich aber auch kein Versicherungsschutz gestalten.

Beinahe alle Aktivitäten des täglichen Lebens können heute über das Internet abgewickelt werden. Online-Shopping und Online-Banking sind im Alltag angekommen. Diese Entwicklung trifft längst nicht nur auf Privatleute, sondern auch auf Firmen zu. Das Schlagwort Industrie 4.0 verheißt bereits eine zunehmende Vernetzung diverser geschäftlicher Vorgänge über das Internet.

Anbieter von Cyberversicherungen für kleinere und mittelständische Unternehmen (KMU) haben Versicherungen die Erfahrung gemacht, dass trotz dieser eindeutigen Entwicklung Cyberrisiken immer noch unterschätzt werden, da sie als etwas Abstraktes wahrgenommen werden. Für KMU kann dies ein gefährlicher Trugschluss sein, da gerade hier Cyberattacken existenzbedrohende Ausmaße annehmen können. So wird noch häufig gefragt, was Cyberrisiken eigentlich sind. Diese Frage ist mehr als verständlich, denn ohne (Cyber-)Risiken bestünde auch kein Bedarf für eine (Cyber-)Versicherung.

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'Refuse To Lose': Dell EMC Primes Its Partners For A Storage Revolution

Dell EMC is waging an all-out assault on the storage market, investing $2 billion, hiring 1,200 new storage sales specialists, and initiating for the first time channel storage sales quotas aimed at driving big share gains in 2018 through partners.

Leading Dell EMC’s storage charge is a trio of tech veterans: Marius Haas, president and chief commercial officer for Dell EMC (pictured, far right); Joyce Mullen, the company’s recently minted global channel chief (pictured, center); and Scott Millard, an EMC veteran who is now vice president of global channels specialty sales at Dell EMC (pictured, far left).

Dell EMC is determined to stop storage share losses with a new aggressive ’refuse to lose’ sales strategy, Haas said.

[Related: Dell EMC Ups Its Storage Game]

’We are saying, ’Enough is enough,’’ said a fired-up Haas in an exclusive interview with CRN. ’It now needs to be real clear that they expect their team members and their partner ecosystem to really rally around the storage business. There are competitors out in the market and for some reason, in some cases, they have done better than they have. So we’re taking an approach around, ’Hey, we’re going to take a ’refuse to lose’ approach in the business.’

At the heart of the storage sales offensive are new robust storage compensation incentives for solution providers and the Dell EMC sales reps working side by side with those partners.

Hopkinton, Mass.-based Dell EMC plans to grow in the neighborhood of 5 percent to 10 percent above the market in its high-end and midrange storage business during fiscal year 2019, which begins in February, Haas said. The growth will ’no doubt’ come at the expense of competitors including NetApp and Hewlett Packard Enterprise, according to Haas. ’We clearly need to make sure that they have the right resources to go in the right depth, to have the right architecture conversations that also enable their partners to sell the full breadth of the portfolio into all markets aggressively, from the high end all the way down to the low end,’ he said.

Dell EMC has hired 1,200 new specialty sales personnel dedicated exclusively to storage, including data center partner managers and channel specialty sales executives focused on the partner-led selling motion around storage, converged infrastructure and data protection.

The company also has a parade of new storage products set to be rolled out in its new fiscal year. Those products stem from the massive $2 billion the company spent on storage-specific research and development in fiscal year 2018 in preparation for the storage charge.

Dell EMC is counting on channel partners, who account for about 70 percent of Dell’s midrange storage business, to drive the share gains. The company is incenting partners to attack the $14 billion midrange market in 2018 by implementing, for the first time, a storage-only quota for partners. In the past, Dell had a combined storage and server quota, but that’s no longer the case.

’We are getting real precise around the expectations of their sellers to say, ’Storage is critically important. You’re going to be driving it.’ They got a phenomenal storage team that came to us with the EMC acquisition. Now what they want to do is turn that into an engine that is just going to drive extremely hard,’ said Haas. ’We’re also going to create training programs, enablement programs, MDFs and back-end rebates commensurate with their ambition to clearly have an aggressive share gain plan next fiscal year.’

Dell EMC is counting on channel partners, who account for about 70 percent of Dell’s midrange storage business, to drive the share gains. The company is incenting partners to attack the $14 billion midrange market in 2018 by implementing, for the first time, a storage-only quota for partners. In the past, Dell had a combined storage and server quota, but that’s no longer the case.

’We are getting real precise around the expectations of their sellers to say, ’Storage is critically important. You’re going to be driving it.’ They got a phenomenal storage team that came to us with the EMC acquisition. Now what they want to do is turn that into an engine that is just going to drive extremely hard,’ said Haas. ’We’re also going to create training programs, enablement programs, MDFs and back-end rebates commensurate with their ambition to clearly have an aggressive share gain plan next fiscal year.

Michael Thomaschewski, CTO of hybrid infrastructure at Long View Systems, a Calgary, Alberta-based Dell EMC partner ranked No. 87 on the 2017 CRN Solution Provider 500 list, said the rejuvenated storage charge and new resources undoubtedly will boost Long View’s bottom line.

’Adding 1,200 employees is nothing to sneeze at. That’s an astronomical investment on [Dell Chairman and CEO] Michael Dell’s part and his organization,’ said Thomaschewski. ’The doubling down on this is really sending a message to the market: ’We are not going anywhere and storage is still something everybody needs, and they see a huge growth opportunity in it.’ That’s a key way of driving the market toward a particular direction that I think they’ll be successful at.’

Dell EMC began the storage offensive in earnest in November with new all-flash versions of its midrange SC Series, giving partners one SKU and all-inclusive software. The company also recently enhanced its Dell EMC Unity product line offering to include deduplication, cloud-tiering and online data-in-place upgrades.

’The product set is on fire,’ said Thomaschewski, adding that Long View’s Dell EMC storage sales were up nearly 10 percent in 2017 compared with 2016 with a large spike in all-flash sales including XtremIO and Unity.

In addition, Dell EMC recently added its 14G PowerEdge servers to its hyper-converged appliance, VxRail, along with specialty pricing for partners. Dell EMC is reducing the standard price for VxRail and Unity for partners by ’double digits’ with the goal of ’getting partners to a winning price faster,’ said Dell EMC’s Millard. ’It’s priced to win. They are looking to signicantly increase their volume and win rates in midrange with their partners,’ Millard said.

Dell EMC plans to accelerate the storage innovation march in 2018 with signicant new investments in next-generation ash technology for its SC Series and Unity product lines, said Sam Grocott, senior vice president of marketing, storage and data protection at Dell EMC.

One of the big bets for the new year will be in the form of game-changing machine-learning technology. ’We’ll have new technologies and products that double down on not only having better intelligence around the data, but being able to automate action around that information and be more effective, more secure and more efcient in how they provide value to their customers storing their data,’ said Grocott.

Dell EMC also is planning to continue to advance the integration of both SC Series and Unity into the cloud. ’Being able to natively tier into the cloud and being able to provide insight into your data that’s both on-premise and off-premise will be a big focus of ours as well as they move more to a hybrid cloud world,’ said Grocott.

Although Dell EMC’s server and client business has been on fire, the company’s worldwide enterprise storage business was flat year over year during the third quarter of 2017 with sales of $2.2 billion, according to research firm IDC. Dell’s external enterprise storage sales fell 4 percent during the third quarter to $1.6 billion. However, Dell EMC still holds a commanding leadership position in the global external storage market with 28.8 percent share, followed by NetApp at 12.5 percent, and Hewlett Packard Enterprise with 11.4 percent, according to IDC.

To combat the flat storage sales and turn up the heat on the the competition, Dell is doubling down on partner programs and incentives to drive channel profitability, aiming to displace its rivals.

The company’s new #GetModern program provides partners with the same test and proposal tools used by Dell EMC’s internal sales teams to facilitate data center sales. In the U.S., partner reps and sales engineers can earn up to $10,000 each for selling all-flash arrays or converged infrastructure, as well as 1.5 percent of the deal value if it includes a competitive swap of up to $30,000. Dell EMC also is paying $500 to partner reps and sales engineers for proposal and registration, and $1,000 for demand generation, even if the solution provider fails to close the deal.

Over the past few months, the program already has led to $750 million in the pipeline for the channel, according to Millard. ’We are really putting their money where their mouth is with regards to the key programs we’re driving with their partners,’ said Millard. ’These midrange announcements around new programs and products are just the beginning of a wave of announcements you’re going to see over the next six months.’

One partner reaping the benefits of the #GetModern program is Waltham, Mass.-based Winslow Technology Group.

The program’s tools and proposal templates have helped the solution provider generate a total of 105 new proposals around all-flash products like Dell EMC Unity, SC Series, Isilon and VxRail.

’That’s 105 customers getting proposals. It’s no coincidence that, as a company, we’ve already hit their storage target for the quarter after only six weeks. They are right now blowing out their storage number,’ said Scott Winslow, president of Winslow Technology Group. ’Our salespeople and their solutions architects are being incented nicely to put those proposals together, so now it gets the activity going. It’s a win for the customer because they get a nice package that they can sell internally, but then their salespeople get additional compensation for it. That’s extremely effective.’

Another program driving channel storage sales is Dell’s new Future-Proof Storage Loyalty Program, which includes a customer three-year, satisfaction guarantee; trade-in credits toward new Dell EMC storage products; a storage efficiency guarantee; all-inclusive software; and one year of built-in Virtustream Storage Cloud for new buyers of Dell EMC Unity storage products.

Millard said Dell built the Future-Proof Storage Loyalty Program to be the top storage partner program in the industry ’It doesn’t cost anything extra for a partner. So there’s no additional cost and if you look at competitors’ programs, their return policy is typically 30 days—ours is three years,’ he said. ’So right out of the gate you can see the uniqueness of the program.’

Dan Serpico, CEO of San Francisco-based FusionStorm, ranked No. 46 on the 2017 CRN Solution Provider 500 list and one of the ultra-exclusive Dell EMC Titanium Black partners, said he is seeing ’considerable pressure’ in the storage market. Although his Dell EMC server, networking and client sales were all up in 2017 year over year, storage sales were generally flat.

Market trends like direct-attached storage and softwaredefined technologies are having an impact on FusionStorm’s ability to continue to scale at the same pace as it could in the past. Pressure is also coming from Dell EMC storage competitors like Pure Storage and NetApp, he said. Although market pressure is mounting, Serpico is ’bullish’ about Dell EMC’s strategy and ability to recognize and solve storage challenges in 2018.

’Dell clearly has recognized that the market is challenged and they’re putting significant resources in attacking that market. Some of that is in the form of incentives, which they think are very important and have value, and some of that is their investment into the market itself and working in partnership with us in the field,’ said Serpico. ’The market is challenged, there’s no doubt about that, but Dell’s got the right approach. They’re investing heavily in it. Attacking it. They want their disproportionate share. That’s certainly encouraging to us.’

Tasked with driving partner enablement and profitability is Mullen, who replaced the hard-charging channel advocate John Byrne. Byrne is now Dell’s North America commercial sales leader.

Mullen, an 18-year Dell veteran who previously led Dell’s OEM and IoT business and added the global channel chief role at the end of November, said a big focus area in fiscal year 2019 will be on storage enablement and training for channel partners.

’We want their partners to be every bit as smart as their smartest storage specialist around their capabilities and their offerings,’ said Mullen. ’Just like their storage specialists are extraordinarily well-versed in matching up the right kinds of solutions with the problem the customers are trying to solve, they want to make sure their partners do the same. Making sure their partners are completely enabled is critically important for us.’

The storage blitz comes on the heels of the completion of the integration of the Dell and EMC teams. Dell Technologies became the world’s largest privately held IT firm after completing its $67 billion acquisition of EMC in September 2016. The integration process was moving full-throttle throughout 2017, said Michael Dell.

When asked to name his biggest accomplishment of fiscal year 2018, Dell said it was the completion of the complex integration process with EMC.

’We completed one of the largest and most complex integrations in history, and the company is functioning right now as one company. They have one face to the customer and they didn’t break anything. A lot of stuff that could have gone wrong didn’t go wrong,’ said Dell in a recent interview with CRN. ’We’re off to the races. I would say it is kind of like the end of the combination and integration, and it’s the beginning of the beginning. So they are just starting their new year as a relatively newly formed company with a lot of the integration behind us and great momentum from their customers and partners.’

Solution providers say their overall Dell EMC sales exploded in the second half of 2017 with the complex integration of the merger complete.

’We just had a record third quarter and are now surpassing that in their fourth quarter,’ said Winslow Technology Group’s Winslow. ’The Dell-EMC integration has taken hold and become more mature. The second half of 2017 has been incredible for us. Now that the eld sales teams have become more stabilized and have a better handle on how they’re going to go to market in the field aligning the legacy Dell and EMC teams, we’re very bullish that growth will continue in 2018.’

Winslow Technology Group’s Dell EMC storage sales were up 10 percent to 15 percent in 2017 compared with the previous year with plans to ’hire aggressively’ this year to support Dell EMC’s storage charge.

Michael Dell said his company is still focused on gaining market share in the server industry, but it is now expanding its efforts around storage.

’We’re adding resources in terms of storage specialists, increasingly creating more and more appliances with converged and hyper-converged, and helping their customers realize the hybrid cloud opportunity,’ he said.

Storage success in fiscal year 2019 will be measured by Net Promoter Scores from customers, partners, employee team members, as well as market-share gains and nancial performance like EBITDA (Earnings Before Interest, Tax, Depreciation and Amortization) and cash flow, according to Michael Dell.

On top of all the storage-focused programs, incentives and new products rolling out to help the channel drive sales, Dell EMC is urging partners to leverage the company’s massive portfolio to win new deals. Dell EMC executives said the breadth and depth of the portfolio is a clear market differentiator that partners should utilize to their advantage.

Robert Keblusek, CTO of Sentinel Technologies, a Downers Grove, Ill.-based solution provider ranked No. 117 on the 2017 CRN Solution Provider 500 list, said customers are now asking what more can they leverage inside the Dell Technologies portfolio unlike ever before.

’In some cases, they might have never had EMC or had EMC before and went in another direction, but now they’re relooking at it and saying, ’Hey, it’s now part of the overall Dell. Can Dell really meet a lot more of my needs?’ I just met with a university that was in a very similar situation,’ said Keblusek. ’They see the broader portfolio now with EMC giving them a lot of depth as far as storage, hyperconverged and data protection go, which gives us an opportunity to go in and solve more problems for customers than they previously could.’

With a healthy balance sheet of $18 billion in cash and investments heading into the new year, Michael Dell said he’s ’very optimistic’ and feels that there’s ’nothing but great opportunities ahead.’

’When you compare us to the other large companies in their sector, what you find is they are larger, more profitable and growing faster,’ said Dell. ’It’s a good combination.’

Dell, Lenovo Also Waiting For Their AI Server Waves

If the original equipment manufacturers of the world had software massive software divisions – like many of them tried to do a two decades ago as they tried to emulate IBM and then changed their minds a decade ago when they sold off their software and services businesses and pared down to pushing tin and iron – then maybe they might have been on the front edge of AI software development and maybe they would have been closer to the front of the line for GPU allocations from Nvidia and AMD.

But they were not.

And that is why companies like Dell and Lenovo are still waiting to catch the generative AI wave as it washes into enterprise datacenters. Just like Hewlett Packard, which has some exceptions thank to the hybrid HPC/AI supercomputers it is selling to major HPC centers around the world based on AMD and Nvidia GPUs but which is really still waiting for GPU allocations so it can build more modest AI training and inference clusters for enterprises. They do know that AI/ML drove more than half of Supermicro sales in the most recent quarter for Supermicro, and they think that more than half of that came from one customer (Meta Platforms), but no one thinks for a second that even Supermicro has enough allocations of GPUs from Nvidia and AMD to start selling in volumes to large enterprises that are eager to build AI clusters.

In catch up mode after being on the road at the AMD MI300 GPU launch event last week in San Jose – they are putting together their deep dive on the architecture and competitive analysis for these devices – they having a look at the most recent financial results for Dell and Lenovo so they can understand their datacenter businesses and integrate them into a larger model to assess what is going on in the datacenters of the world and where the money is flowing – and not.

Let’s start with Dell.

In the fiscal third quarter ended in October, Dell booked $22.25 billion in sales, down 10 percent, but net income was up by a factor of 4.1X to just a tad over $1 billion. Dell was able to boost its net income by paying off debts and reducing its interest costs by $1 billion and also cut costs to help compensate for lower gross margins as it absorbed higher parts and manufacturing costs.

Of that, $12.28 billion of that was for client devices, which they don’t care about except inasmuch it gives Dell a larger supply chain to leverage against its parts suppliers and should client devices contribute profits then it takes some of the heat off of the Dell datacenter business, which is definitely under a strain as companies large and small have sought to minimize server and storage spending as much as possible so they can invest in AI development and platforms this year.

In the October quarter, Dell’s Infrastructure Solutions Group had $8.5 billion in revenues, down 11.7 percent year on year. This is the third straight quarter of decline for this business, and within ISG, both Servers & Networking (which is counted as a single unit) and the Storage (which includes the legacy Dell storage business plus EMC) divisions have been in recession for those three quarters. This is not the longest stretch of declines in the Servers & Networking division, however, which had declining quarters from Q1 F2020 through Q3 F2021, inclusive – a very bad stretch, indeed. Dell started hurting in servers thanks to Inspur and Lenovo way before COVID hit in early calendar 2020 and then COVID seemed to make things worse, not better.

In the latest quarter, Dell’s Server & Networking division had sales of $4.66 billion, down 10.5 percent, and its Storage division had sales of $3.84 billion, down 13.2 percent. Add them together, take out operating costs, and ISC had an operating income of $1.07 billion, down 22.2 percent, and comprising 12.6 percent of revenues.

Jeff Clarke, Dell’s chief operating officer, said on a call with Wall Street going over the numbers that demand for traditional servers improved and that demand for AI servers “continues to be strong” but that sales of AI-optimized systems only contributed a little over $500 million in sales. These include its PowerEdge XE9680, XE9640, XE8640, R750, and R760xa servers. “Customer demand for these AI servers nearly doubled sequentially, and demand remains well ahead of supply,” Clarke said. But, again, demand is not the same thing as revenue, and the main bottleneck are the relatively low allocations of top-end GPUs from Nvidia and now AMD that the OEMs – Hewlett Packard Enterprise, Dell, and Lenovo are the important ones for North America and Europe – are getting compared to the hyperscalers, cloud builders, and a few notable customers like car maker Tesla. When it comes to “Hopper” H100 GPU accelerators from Nvidia, not one OEM is among the top twelve who were allocated Hopper GPUs this year, and Tesla was, according to market researcher Omdia, number twelve on the list with 15,000 devices.

This is why the server businesses at Dell and other OEMs are not growing. And don’t jump to the conclusion that there are huge profits in reselling Nvidia GPUs – that certainly has not looked to be the case with Supermicro or HPE thus far. Nvidia and AMD are not leaving much margin on the table for the OEMs, no more than Intel did when it had hegemony in datacenter CPUs.

Clarke said on the call that AI servers accounted for a third of orders (in terms of value, not shipment) in Dell fiscal Q3, and added that the PowerEdge XE9680 is the fastest ramping product in Dell’s history of selling iron. No surprises. It is also the most expensive system Dell has ever sold. (Dell is one of the suppliers of iron to GPU cloud provider CoreWeave, which had 40,000 GPUs allocated to it for shipment by Nvidia this year, according to Omdia. So that is helping Dell’s AI server business book some revenues, much as the US Department of Energy supercomputers are helping HPE push hybrid HPC/AI iron.) Clarke added that Dell’s orders for AI servers, which nearly doubled sequentially from fiscal Q2, stands at $1.6 billion, and the multi-billion pipeline of prospects for AI systems has tripled some fiscal Q2. (Wall Street pegs it at around $5 billion.) Demand is way ahead of supply, and lead times stand at 39 weeks for these AI systems.

Over at Lenovo, the story is similar as they have seen out of HPE and Dell, with some specific twists that are always unique to Lenovo, which has a sizable presence in HPC and AI in the United States, Europe, and China.

In the second quarter of fiscal 2024 ended in September, Lenovo had sales of $14.41 billion, down 15.7 percent year on year, and net income of $249 million, down 54 percent. Cash and equivalents stood at $3.74 billion. Lenovo, like HPE and Dell, are wrestling with digestion problems in both the PC and the server markets. They also think Lenovo has been impacted as companies are hoarding budget for AI projects.

The Infrastructure Solutions Group at Lenovo, which comprises its server, storage, and networking businesses in the datacenter, had its second straight quarter of revenue decline, with revenues of just a tad over $2 billion, down 23.4 percent year on year but up 4.6 percent sequentially. ISG had an operating loss of $53 million, following an operating loss of $60 million in the first quarter of fiscal 2024, neither of which must be making Lenovo happy. Prior to this, Lenovo had seven straight quarters of operating gains in its datacenter business.

Lenovo does not provide a detailed breakdown of its datacenter business, but did say that its traditional HPC business grew in the double digits year on year and that it was the fifth straight quarter of consecutive growth for this unit. Storage revenue set an all-time high record and Lenovo is now the number three storage vendor in the world, and is number one in low-end storage devices that cost $25,000 or less.

Lenovo did not talk about its AI server pipeline, but Kirk Skaugen, who is president of ISG and who formerly ran the Intel Data Center Group at Intel, did say that Lenovo had spent $1.2 billion on HPC and AI systems – the line is a fuzzy one between the two – and had just decided to add another $1 billion for research and development to push the AI envelope over the next three years for datacenter, edge, and cloud customers.

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Family, freedom and unity: House lawmakers reveal their 2024 New Year's resolutions

Fox News 2023 Year In Review with Bill Hemmer

2023 was another turbulent year, marked by political dysfunction at home and two major world conflicts. America’s Newsroom anchor Bill Hemmer looks back at the top headlines of the past 12 months. 

The start of a new year brings a fresh start and new optimism to everyone, and there's often no better way to channel that momentum than through a New Year's resolution. 

The same is true everywhere, including on Capitol Hill, where several lawmakers told Fox News Digital they already had their resolutions in mind. 

"My New Year’s resolution going into 2024 is to stay organized," Rep. Ashley Hinson, R-Iowa, said in late December. 


Reps. Ashley Hinson, Greg Pence and Tim Burchett were among those who shared their New Year's resolutions with Fox News Digital.

She explained that keeping her family home in shape will take on a new significance given the hectic schedule the House has in the first few months of next year, with government funding and other deadlines looming on the horizon.

"I travel back and forth from Iowa pretty frequently, so it’s important for me to make sure everything is in its place at home because I have a feeling they have a pretty busy January on deck," Hinson said.


Rep. Seth Moulton, D-Mass., told Fox News Digital that his resolution was simply "to spend more time with the people I love."

Rep. Seth Moulton said his 2024 goal is to spend more time with the people he loves (Anna Moneymaker/Getty Images)

Rep. Greg Pence, R-Texas, suggested he was wishing for some reprieve from the chaotic legislative year Congress went through in 2023 amid a highly fractured – and narrow – House GOP majority.

"Unity next year," he simply told Fox News Digital on the Capitol steps ahead of the last House votes of 2023.

Like Moulton, Rep. Tim Burchett, R-Tenn., focused his resolution on his loved ones.


"Try to be a better husband and a better man," Burchett said when asked about his 2024 goal. "I'm very fortunate. I’ve got a cool wife, and I’ve got a cool daughter, kind of got a package deal."

He gushed over his teenage daughter, "She's like, crazy smart. She's very intuitive. And she's, she's good."

Rep. Carlos Gimenez shared resolutions for both his family and the country. (Anna Moneymaker/Getty Images)

Rep. Carlos Gimenez, R-Fla., told Fox News Digital two different resolutions – one for the country and one for his home.


"Wishing all my family stays healthy," he said when asked his resolution. "And then for the country, you know, hopefully, you know they get on the right track, and they keep America free."

He continued, "Freedom is not free, so they have to fight for it every day. And so my wish for this country is that it remains the greatest country in the world."

Elizabeth Elkind is a reporter for Fox News Digital focused on Congress as well as the intersection of Artificial Intelligence and politics. Previous digital bylines seen at Daily Mail and CBS News.

Follow on Twitter at @liz_elkind and send tips to elizabeth.elkind@fox.com


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Warum sind Cyberrisiken so schwer greifbar?

Als mehr oder weniger neuartiges Phänomen stellen Cyberrisiken Unternehmen und Versicherer vor besondere Herausforderungen. Nicht nur die neuen Schadenszenarien sind abstrakter oder noch nicht bekannt. Häufig sind immaterielle Werte durch Cyberrisiken in Gefahr. Diese wertvollen Vermögensgegenstände sind schwer bewertbar.

Obwohl die Gefahr durchaus wahrgenommen wird, unterschätzen viele Firmen ihr eigenes Risiko. Dies liegt unter anderem auch an den Veröffentlichungen zu Cyberrisiken. In der Presse finden sich unzählige Berichte von Cyberattacken auf namhafte und große Unternehmen. Den Weg in die Presse finden eben nur die spektakulären Fälle. Die dort genannten Schadenszenarien werden dann für das eigene Unternehmen als unrealistisch eingestuft. Die für die KMU nicht minder gefährlichen Cyber­attacken werden nur selten publiziert.

Aufgrund der fehlenden öffentlichen Meldungen von Sicherheitsvorfällen an Sicherheitsbehörden und wegen der fehlenden Presseberichte fällt es schwer, Fakten und Zahlen zur Risikolage zu erheben. Aber ohne diese Grundlage fällt es schwer, in entsprechende Sicherheitsmaßnahmen zu investieren.

Erklärungsleitfaden anhand eines Ursache-Wirkungs-Modells

Häufig nähert man sich dem Thema Cyberrisiko anlass- oder eventbezogen, also wenn sich neue Schaden­szenarien wie die weltweite WannaCry-Attacke entwickeln. Häufig wird auch akteursgebunden beleuchtet, wer Angreifer oder Opfer sein kann. Dadurch begrenzt man sich bei dem Thema häufig zu sehr nur auf die Cyberkriminalität. Um dem Thema Cyberrisiko jedoch gerecht zu werden, müssen auch weitere Ursachen hinzugezogen werden.

Mit einer Kategorisierung kann das Thema ganzheitlich und nachvollziehbar strukturiert werden. Ebenso hilft eine solche Kategorisierung dabei, eine Abgrenzung vorzunehmen, für welche Gefahren Versicherungsschutz über eine etwaige Cyberversicherung besteht und für welche nicht.

Die Ursachen sind dabei die Risiken, während finanzielle bzw. nicht finanzielle Verluste die Wirkungen sind. Cyberrisiken werden demnach in zwei Hauptursachen eingeteilt. Auf der einen Seite sind die nicht kriminellen Ursachen und auf der anderen Seite die kriminellen Ursachen zu nennen. Beide Ursachen können dabei in drei Untergruppen unterteilt werden.

Nicht kriminelle Ursachen

Höhere Gewalt

Häufig hat man bei dem Thema Cyberrisiko nur die kriminellen Ursachen vor Augen. Aber auch höhere Gewalt kann zu einem empfindlichen Datenverlust führen oder zumindest die Verfügbarkeit von Daten einschränken, indem Rechenzentren durch Naturkatastrophen wie beispielsweise Überschwemmungen oder Erdbeben zerstört werden. Ebenso sind Stromausfälle denkbar.

Menschliches Versagen/Fehlverhalten

Als Cyberrisiken sind auch unbeabsichtigtes und menschliches Fehlverhalten denkbar. Hierunter könnte das versehentliche Veröffentlichen von sensiblen Informationen fallen. Möglich sind eine falsche Adressierung, Wahl einer falschen Faxnummer oder das Hochladen sensibler Daten auf einen öffentlichen Bereich der Homepage.

Technisches Versagen

Auch Hardwaredefekte können zu einem herben Datenverlust führen. Neben einem Überhitzen von Rechnern sind Kurzschlüsse in Systemtechnik oder sogenannte Headcrashes von Festplatten denkbare Szenarien.

Kriminelle Ursachen


Hackerangriffe oder Cyberattacken sind in der Regel die Szenarien, die die Presse dominieren. Häufig wird von spektakulären Datendiebstählen auf große Firmen oder von weltweiten Angriffen mit sogenannten Kryptotrojanern berichtet. Opfer kann am Ende aber jeder werden. Ziele, Methoden und auch das Interesse sind vielfältig. Neben dem finanziellen Interesse können Hackerangriffe auch zur Spionage oder Sabotage eingesetzt werden. Mögliche Hackermethoden sind unter anderem: Social Engineering, Trojaner, DoS-Attacken oder Viren.

Physischer Angriff

Die Zielsetzung eines physischen Angriffs ist ähnlich dem eines Hacker­angriffs. Dabei wird nicht auf die Tools eines Hackerangriffs zurückgegriffen, sondern durch das physische Eindringen in Unternehmensgebäude das Ziel erreicht. Häufig sind es Mitarbeiter, die vertrauliche Informationen stehlen, da sie bereits den notwendigen Zugang zu den Daten besitzen.


Obwohl die Erpressung aufgrund der eingesetzten Methoden auch als Hacker­angriff gewertet werden könnte, ergibt eine Differenzierung Sinn. Erpressungsfälle durch Kryptotrojaner sind eines der häufigsten Schadenszenarien für kleinere und mittelständische Unternehmen. Außerdem sind auch Erpressungsfälle denkbar, bei denen sensible Daten gestohlen wurden und ein Lösegeld gefordert wird, damit sie nicht veröffentlicht oder weiterverkauft werden.

Ihre Cyberversicherung sollte zumindet folgende Schäden abdecken:


  • Soforthilfe und Forensik-Kosten (Kosten der Ursachenermittlung, Benachrichtigungskosten und Callcenter-Leistung)
  • Krisenkommunikation / PR-Maßnahmen
  • Systemverbesserungen nach einer Cyber-Attacke
  • Aufwendungen vor Eintritt des Versicherungsfalls

Cyber-Drittschäden (Haftpflicht):

  • Befriedigung oder Abwehr von Ansprüchen Dritter
  • Rechtswidrige elektronische Kommunikation
  • Ansprüche der E-Payment-Serviceprovider
  • Vertragsstrafe wegen der Verletzung von Geheimhaltungspflichten und Datenschutzvereinbarungen
  • Vertragliche Schadenersatzansprüche
  • Vertragliche Haftpflicht bei Datenverarbeitung durch Dritte
  • Rechtsverteidigungskosten


  • Betriebsunterbrechung
  • Betriebsunterbrechung durch Ausfall von Dienstleister (optional)
  • Mehrkosten
  • Wiederherstellung von Daten (auch Entfernen der Schadsoftware)
  • Cyber-Diebstahl: elektronischer Zahlungsverkehr, fehlerhafter Versand von Waren, Telefon-Mehrkosten/erhöhte Nutzungsentgelte
  • Cyber-Erpressung
  • Entschädigung mit Strafcharakter/Bußgeld
  • Ersatz-IT-Hardware
  • Cyber-Betrug